> ## Documentation Index
> Fetch the complete documentation index at: https://docs.swipelux.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create quote

> Creates a priced movement that can be executed before `expiresAt` while the quote, capability, balance, destination, rail, and provider checks still pass.



## OpenAPI

````yaml /openapi.json post /v3/quotes
openapi: 3.1.0
info:
  title: Swipelux API
  version: 3.1.0
servers:
  - url: https://platform.swipelux.com
    description: Production and sandbox; environment selected by API key
security:
  - apiKey: []
tags:
  - name: customers
    x-displayName: Customers
    description: >-
      Create, list, update, export, and archive individual and business
      customers and their related parties.
  - name: capabilities
    x-displayName: Capabilities
    description: >-
      Discover, request, inspect, and cancel customer capabilities and their
      institution applications.
  - name: accounts
    x-displayName: Accounts
    description: Create, inspect, update, and archive customer accounts.
  - name: recipients
    x-displayName: Recipients
    description: Create third-party recipients and their payout destinations.
  - name: Tasks
    x-displayName: Tasks
    description: Inspect customer, capability, application, account, and transfer tasks.
  - name: Task submissions
    x-displayName: Task submissions
    description: Submit and inspect immutable answers to customer tasks.
  - name: documents
    x-displayName: Documents
    description: Upload and inspect customer documents used in task submissions.
  - name: money-movement
    x-displayName: Money movement
    description: Create quotes, execute quote-backed transfers, and inspect transfer state.
  - name: rules
    x-displayName: Rules
    description: >-
      Standing instructions that act on incoming funds. A rule watches a
      custodial wallet account (`trigger`) and, when funds become available on
      it, transfers them to a target (`action`) — most commonly a sweep to a
      non-custodial wallet destination.


      Rules match at the account credit, not at the deposit rail: fiat deposits
      settle into the issued bank account's settlement wallet account, so a rule
      on that wallet account catches ACH/SEPA/SWIFT deposits, stablecoin
      deposits, and internal transfers alike.


      The action target reuses the money-movement vocabulary (`account` for the
      customer's own accounts, `destination` for recipient destinations). At
      most one non-archived rule may watch a given trigger account. Statuses:
      `active ⇄ paused → archived` — pause and resume through PATCH, archive
      (terminal) through DELETE.
  - name: sandbox
    x-displayName: Sandbox
    description: Simulate supported account, task, capability, and transfer outcomes.
  - name: institutions
    x-displayName: Institutions
    description: List institutions referenced by capabilities and applications.
  - name: webhooks
    x-displayName: Webhooks
    description: Configure webhook endpoints and inspect delivery activity.
externalDocs:
  description: Swipelux Documentation
  url: https://docs.swipelux.com
paths:
  /v3/quotes:
    post:
      tags:
        - money-movement
      summary: Create quote
      description: >-
        Creates a priced movement that can be executed before `expiresAt` while
        the quote, capability, balance, destination, rail, and provider checks
        still pass.
      operationId: postV3Quotes
      parameters:
        - name: Idempotency-Key
          in: header
          required: true
          schema:
            type: string
            minLength: 1
            maxLength: 255
          example: idem_20260626_0001
          description: >-
            Required for effectful v3 requests (POST, PATCH, PUT, DELETE). Reuse
            the same key with the same body to replay the cached response.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              description: >-
                Provide exactly one of `in.amount` or `out.amount`. Stablecoin
                moves are same-network, same-currency transfers; cross-chain
                bridging and asset swaps are not supported.
              required:
                - customerId
                - capabilityId
                - in
                - destinationId
                - out
              properties:
                customerId:
                  type: string
                  pattern: ^cus_[a-zA-Z0-9]+$
                  example: cus_7F3pL2nQ9xA5mW8kR1sT4v
                capabilityId:
                  type: string
                  minLength: 1
                  description: >-
                    Ready capability used to price this quote. Open enum —
                    values are added over time; clients must tolerate unknown
                    values.
                  example: ach_pooled
                externalId:
                  type: string
                  minLength: 1
                  maxLength: 255
                  description: >-
                    Optional merchant-supplied opaque reference of at most 255
                    characters. Echoed on the quote resource and not required to
                    be unique.
                  example: quote-ref-123
                in:
                  type: object
                  required:
                    - currency
                  properties:
                    amount:
                      type: string
                      minLength: 1
                      pattern: ^\d+(\.\d+)?$
                      description: >-
                        Source amount for exact_in quotes. Omit when
                        `out.amount` is supplied. For currencies with a
                        published scale, fractional digits beyond that scale are
                        rejected. USDC and USDT exact-in and exact-out amounts
                        accept up to six fractional digits; excess precision is
                        rejected, never rounded.
                      example: '100.00'
                    currency:
                      type: string
                      minLength: 1
                      example: USD
                    accountId:
                      type: string
                      pattern: ^acc_[a-zA-Z0-9]+$
                      description: >-
                        Source account for stablecoin-funded quotes. It must be
                        an active issued custodial account owned by the request
                        customer in the authenticated merchant and developer
                        space and support `in.currency`. The scoped default
                        issued account is used when omitted; ignored for
                        fiat-funded quotes.
                      example: acc_base123
                destinationId:
                  type: string
                  pattern: ^(?:acc|dst)_[a-zA-Z0-9]+$
                  description: >-
                    Movement output. The public ID prefix determines the
                    resource kind: `acc_` identifies an account and `dst_`
                    identifies a recipient destination. For
                    `stablecoin_transfers`, use any active Swipelux stablecoin
                    account or a ready wallet destination owned by the request
                    customer. A wallet destination can contain any address valid
                    for its declared network; create it through the
                    recipient-destination API because raw inline addresses are
                    not accepted. Stablecoin source and destination must use the
                    same network and currency. Destination-owner data is never
                    exposed.
                  example: acc_base123
                out:
                  type: object
                  required:
                    - currency
                  properties:
                    amount:
                      type: string
                      minLength: 1
                      pattern: ^\d+(\.\d+)?$
                      description: >-
                        Target amount for exact_out quotes. Omit when
                        `in.amount` is supplied. For currencies with a published
                        scale, fractional digits beyond that scale are rejected.
                        USDC and USDT exact-in and exact-out amounts accept up
                        to six fractional digits; excess precision is rejected,
                        never rounded.
                      example: '100.00'
                    currency:
                      type: string
                      minLength: 1
                      example: USDC
                fees:
                  type: object
                  description: >-
                    Optional quote-level developer fee override. Overrides
                    account fees for this quote only. A `stablecoin_transfers`
                    wallet move currently accepts zero fees only: any non-zero
                    platform or developer fee is rejected with `422
                    amount_not_deliverable` until direct crypto fee settlement
                    is supported.
                  required:
                    - breakdown
                  properties:
                    breakdown:
                      type: object
                      required:
                        - developer
                      properties:
                        developer:
                          type: object
                          required:
                            - fixed
                            - bips
                          properties:
                            fixed:
                              type: string
                              pattern: ^\d+(\.\d{1,2})?$
                              description: >-
                                Fixed developer fee as a major-unit decimal
                                string with at most 2 decimal places.
                              example: '0.50'
                            bips:
                              type: integer
                              minimum: 0
                              maximum: 9999
                              description: >-
                                Variable developer fee in basis points. `50`
                                means `0.50%`. Must be below 10000 (100%).
                              example: 25
            examples:
              fiatToStablecoin:
                summary: Fiat to stablecoin
                value:
                  customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                  capabilityId: ach_pooled
                  externalId: quote-ref-123
                  in:
                    amount: '150.00'
                    currency: USD
                  destinationId: acc_base123
                  out:
                    currency: USDC
              stablecoinToFiat:
                summary: Stablecoin to fiat
                value:
                  customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                  capabilityId: ach_pooled
                  in:
                    amount: '150.00'
                    currency: USDC
                  destinationId: acc_7mA9sL1kBc6dV8xN2pQ4rT
                  out:
                    currency: USD
              stablecoinToFiatDestination:
                summary: Stablecoin to fiat destination
                value:
                  customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                  capabilityId: ach_pooled
                  in:
                    amount: '150.00'
                    currency: USDC
                  destinationId: dst_2pQ4rT7mA9sL1kBc6dV8xN
                  out:
                    currency: USD
              stablecoinToFiatExactOut:
                summary: Stablecoin to fiat with an exact output amount
                value:
                  customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                  capabilityId: ach_pooled
                  in:
                    currency: USDC
                  destinationId: dst_2pQ4rT7mA9sL1kBc6dV8xN
                  out:
                    amount: '100.00'
                    currency: USD
              stablecoinMove:
                summary: Stablecoin move
                value:
                  customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                  capabilityId: stablecoin_transfers
                  in:
                    amount: '1.234567'
                    currency: USDC
                    accountId: acc_base123
                  destinationId: dst_8xN2pQ4rT7mA9sL1kBc6dV
                  out:
                    currency: USDC
      responses:
        '201':
          description: Quote created
          headers:
            Idempotency-Replayed:
              description: >-
                Present with value `true` when an idempotent request is
                replayed.
              schema:
                type: string
                enum:
                  - 'true'
          content:
            application/json:
              schema:
                type: object
                properties:
                  data:
                    type: object
                    properties:
                      id:
                        type: string
                      customerId:
                        type: string
                      capabilityId:
                        type: string
                      institutionId:
                        type: string
                        description: >-
                          Public institution id for bank-backed movement
                          capabilities when exactly one institution backs the
                          quote.
                      externalId:
                        type: string
                      mode:
                        enum:
                          - exact_in
                          - exact_out
                        description: >-
                          Quote pricing mode. Closed enum — exhaustive;
                          additions would be a breaking change.
                      direction:
                        enum:
                          - fiat_to_stablecoin
                          - stablecoin_to_fiat
                          - stablecoin_move
                        description: >-
                          Quote direction. Closed enum — exhaustive; additions
                          would be a breaking change.
                      source:
                        anyOf:
                          - type: object
                            properties:
                              type:
                                enum:
                                  - external
                            required:
                              - type
                          - type: object
                            properties:
                              type:
                                enum:
                                  - account
                              id:
                                type: string
                                description: >-
                                  Source account for stablecoin-funded
                                  movements.
                            required:
                              - type
                              - id
                        description: >-
                          Resolved funding source. External for fiat-funded
                          quotes and an account for stablecoin-funded quotes.
                          May be absent on older stablecoin-funded quotes.
                      destination:
                        anyOf:
                          - type: object
                            properties:
                              type:
                                enum:
                                  - account
                              id:
                                type: string
                                pattern: ^acc_[a-zA-Z0-9]+$
                            required:
                              - type
                              - id
                          - type: object
                            properties:
                              type:
                                enum:
                                  - destination
                              id:
                                type: string
                                pattern: ^dst_[a-zA-Z0-9]+$
                            required:
                              - type
                              - id
                      in:
                        type: object
                        properties:
                          amount:
                            type: string
                          currency:
                            type: string
                          network:
                            enum:
                              - polygon
                              - ethereum
                              - base
                              - arbitrum
                              - optimism
                              - bsc
                              - avalanche
                            description: >-
                              Blockchain network for a crypto leg. Absent for
                              fiat legs and uncatalogued networks. Blockchain
                              network id. Open enum — values are added over
                              time; clients must tolerate unknown values.
                        required:
                          - amount
                          - currency
                      out:
                        type: object
                        properties:
                          amount:
                            type: string
                          currency:
                            type: string
                          network:
                            enum:
                              - polygon
                              - ethereum
                              - base
                              - arbitrum
                              - optimism
                              - bsc
                              - avalanche
                            description: >-
                              Blockchain network for a crypto leg. Absent for
                              fiat legs and uncatalogued networks. Blockchain
                              network id. Open enum — values are added over
                              time; clients must tolerate unknown values.
                        required:
                          - amount
                          - currency
                      rate:
                        type: string
                      fees:
                        type: array
                        items:
                          type: object
                          properties:
                            beneficiary:
                              anyOf:
                                - enum:
                                    - developer
                                - enum:
                                    - service
                              description: >-
                                Fee beneficiary. Closed enum — exhaustive;
                                additions would be a breaking change.
                            amount:
                              type: string
                            currency:
                              type: string
                            rule:
                              type: object
                              required:
                                - fixed
                                - bips
                              properties:
                                fixed:
                                  type: string
                                bips:
                                  type: number
                          required:
                            - beneficiary
                            - amount
                            - currency
                      status:
                        enum:
                          - active
                          - executed
                          - expired
                          - failed
                        description: >-
                          Quote status. Closed enum — exhaustive; additions
                          would be a breaking change.
                      transferId:
                        type: string
                        nullable: true
                      createdAt:
                        type: string
                      expiresAt:
                        type: string
                    required:
                      - id
                      - customerId
                      - capabilityId
                      - mode
                      - direction
                      - destination
                      - in
                      - out
                      - rate
                      - fees
                      - status
                      - transferId
                      - createdAt
                      - expiresAt
                required:
                  - data
              examples:
                fiatToStablecoin:
                  summary: Fiat to stablecoin
                  value:
                    data:
                      customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                      externalId: quote-ref-123
                      mode: exact_in
                      rate: '1.00'
                      status: active
                      transferId: null
                      createdAt: '2026-06-25T12:00:00.000Z'
                      expiresAt: '2026-06-25T12:05:00.000Z'
                      id: quo_6dV8xN2pQ4rT7mA9sL1kBc
                      capabilityId: ach_pooled
                      institutionId: jpmorgan
                      direction: fiat_to_stablecoin
                      source:
                        type: external
                      in:
                        amount: '150.00'
                        currency: USD
                      out:
                        amount: '145.00'
                        currency: USDC
                        network: base
                      destination:
                        type: account
                        id: acc_3eG7xN2pQ4rT8mA1sL6dVc
                      fees:
                        - beneficiary: developer
                          amount: '0.88'
                          currency: USDC
                          rule:
                            fixed: '0.50'
                            bips: 25
                        - beneficiary: service
                          amount: '4.12'
                          currency: USDC
                stablecoinToFiat:
                  summary: Stablecoin to fiat
                  value:
                    data:
                      customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                      externalId: quote-ref-123
                      mode: exact_in
                      rate: '1.00'
                      status: active
                      transferId: null
                      createdAt: '2026-06-25T12:00:00.000Z'
                      expiresAt: '2026-06-25T12:05:00.000Z'
                      id: quo_9zK4pQ8rT2mA7sL1dV6xNc
                      capabilityId: ach_pooled
                      institutionId: jpmorgan
                      direction: stablecoin_to_fiat
                      source:
                        type: account
                        id: acc_base123
                      in:
                        amount: '150.00'
                        currency: USDC
                        network: base
                      out:
                        amount: '145.00'
                        currency: USD
                      destination:
                        type: account
                        id: acc_7mA9sL1kBc6dV8xN2pQ4rT
                      fees:
                        - beneficiary: developer
                          amount: '0.88'
                          currency: USDC
                          rule:
                            fixed: '0.50'
                            bips: 25
                        - beneficiary: service
                          amount: '4.12'
                          currency: USDC
                stablecoinMove:
                  summary: Stablecoin move
                  value:
                    data:
                      customerId: cus_7F3pL2nQ9xA5mW8kR1sT4v
                      externalId: quote-ref-123
                      mode: exact_in
                      rate: '1.00'
                      status: active
                      transferId: null
                      createdAt: '2026-06-25T12:00:00.000Z'
                      expiresAt: '2026-06-25T12:05:00.000Z'
                      id: quo_4mT8xN2pQ7rV6sL1dZ9yPa
                      capabilityId: stablecoin_transfers
                      direction: stablecoin_move
                      source:
                        type: account
                        id: acc_base123
                      in:
                        amount: '1.234567'
                        currency: USDC
                        network: base
                      out:
                        amount: '1.234567'
                        currency: USDC
                        network: base
                      destination:
                        type: destination
                        id: dst_8xN2pQ4rT7mA9sL1kBc6dV
                      fees:
                        - beneficiary: service
                          amount: '0.00'
                          currency: USD
        '400':
          description: Invalid request.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
        '401':
          description: Authentication required.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
        '403':
          description: Insufficient permissions.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
        '404':
          description: Resource not found.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
        '409':
          description: >-
            Capability is not ready, the payout account is not ready
            (`account_not_ready`), or the recipient destination is not ready
            (`destination_not_ready`).
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
        '422':
          description: Request cannot be processed.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    enum:
                      - account_method_not_supported
                      - amount_not_deliverable
                      - developer_fee_invalid
                      - quote_direction_invalid
                      - recipient_destination_invalid
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
              examples:
                quoteDirectionInvalid:
                  summary: Fiat-funded quote cannot target a recipient destination
                  value:
                    type: https://docs.swipelux.com/errors/quote-direction-invalid
                    title: Quote Direction Invalid
                    status: 422
                    code: quote_direction_invalid
                    detail: Fiat-funded quotes must target a customer account.
                    correlationId: cor_01JMM25QUOTEDIRECTION
                    retryable: false
                    errors:
                      - pointer: /destinationId
                        code: invalid_direction
                        message: >-
                          Choose an acc_ destination account for a fiat-funded
                          quote.
                recipientDestinationNetworkMismatch:
                  summary: Stablecoin destination uses a different network
                  value:
                    type: >-
                      https://docs.swipelux.com/errors/recipient-destination-invalid
                    title: Recipient Destination Invalid
                    status: 422
                    code: recipient_destination_invalid
                    detail: Destination is invalid for this stablecoin transfer.
                    correlationId: cor_01JMM25DESTNETWORK
                    retryable: false
                    errors:
                      - pointer: /destinationId
                        code: network_mismatch
                        message: The source and destination networks must match.
                recipientDestinationCurrencyMismatch:
                  summary: Stablecoin destination uses a different currency
                  value:
                    type: >-
                      https://docs.swipelux.com/errors/recipient-destination-invalid
                    title: Recipient Destination Invalid
                    status: 422
                    code: recipient_destination_invalid
                    detail: Destination is invalid for this stablecoin transfer.
                    correlationId: cor_01JMM25DESTCURRENCY
                    retryable: false
                    errors:
                      - pointer: /out/currency
                        code: currency_mismatch
                        message: The source and destination currencies must match.
        '500':
          description: Internal server error.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
        '503':
          description: Internal server error.
          content:
            application/problem+json:
              schema:
                type: object
                additionalProperties: false
                required:
                  - type
                  - title
                  - status
                  - code
                  - detail
                  - correlationId
                properties:
                  type:
                    type: string
                    format: uri
                    description: Documentation URL for this stable problem code.
                  title:
                    type: string
                    description: Short human-readable problem title.
                  status:
                    type: integer
                    minimum: 400
                    maximum: 599
                    description: HTTP status code.
                  code:
                    type: string
                    enum:
                      - rail_temporarily_unavailable
                    description: Stable snake_case error code.
                  detail:
                    type: string
                    description: Actionable problem detail for legitimate callers.
                  correlationId:
                    type: string
                    description: Request correlation id. Mirrors `X-Request-Id`.
                  transferId:
                    type: string
                    description: >-
                      Existing transfer that consumed the quote. Present on
                      `quote_already_executed`.
                  retryable:
                    type: boolean
                    description: Whether retrying the same request may succeed.
                  errors:
                    type: array
                    description: Field-level validation errors.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - pointer
                        - code
                        - message
                      properties:
                        pointer:
                          type: string
                          description: JSON Pointer into the request body.
                        code:
                          type: string
                          description: Machine-readable field error code.
                        message:
                          type: string
                          description: Human-readable field error message.
                  statusReason:
                    type: object
                    description: >-
                      Structured reason for a state conflict when the failed
                      operation depends on the resource's current status.
                    required:
                      - code
                      - message
                      - actor
                      - retryable
                    properties:
                      code:
                        type: string
                        description: >-
                          Stable snake_case reason code from the documented
                          catalog.
                        example: sanctions_screening_failed
                      message:
                        type: string
                        description: Human-readable explanation of the current status.
                      actor:
                        type: string
                        enum:
                          - customer
                          - developer
                          - provider
                          - network
                          - swipelux
                        description: >-
                          Party whose action moves the resource forward: the end
                          customer, the developer integrating the API, the
                          underlying provider, payment network or rail, or
                          Swipelux. Closed enum — exhaustive; additions would be
                          a breaking change.
                      retryable:
                        type: boolean
                        description: >-
                          Whether retrying the blocked operation without
                          changing its inputs or state may succeed.
                  reviewAnswer:
                    type: string
                    nullable: true
                    description: Verification review answer when supplied by the verifier.
                  capabilities:
                    type: array
                    minItems: 1
                    items:
                      type: string
                    description: Capability ids that satisfy the failed operation.
                  blockingResources:
                    type: array
                    minItems: 1
                    description: >-
                      Customer resources that must be resolved before the
                      requested operation can proceed, sorted by type and id.
                    items:
                      type: object
                      additionalProperties: false
                      required:
                        - type
                        - id
                        - requiredAction
                      properties:
                        type:
                          type: string
                          enum:
                            - account
                            - transfer
                        id:
                          type: string
                          description: Public id of the blocking resource.
                        requiredAction:
                          type: string
                          enum:
                            - archive_account
                            - cancel_transfer
                            - wait_for_transfer
                            - resolve_transfer
                          description: Next action required before retrying the operation.
components:
  securitySchemes:
    apiKey:
      type: apiKey
      in: header
      name: X-API-Key
      description: Your Swipelux API key. Obtain this from the Swipelux Dashboard.

````

## Related topics

- [Receive funds](/integration/receive-funds.md)
- [Create transfer (executes a quote)](/api-reference/money-movement/post-v3-transfers.md)
- [Send funds](/integration/send-funds.md)
- [Quotes and transfers](/integration/quotes-and-transfers.md)
- [Create rule](/api-reference/rules/post-v3-customers-by-customer-id-rules.md)
